ICICI Bank HPCL Super Value Credit Card Features, Benefits and More

These days, credit cards are much more than simple purchase enablers. They make each purchase, every transaction, increasingly rewarding by providing you convenience, rewards and cash back and private members only benefits. image For the high spending segment, who shell out a lot of money on fuel, groceries, utilities, and entertainment, the ICICI Bank HPCL Super Saver Credit Card is a top end offering that brings the best of fuel savings, cashback, and dedicated lifestyle benefits together.

In this post, we take an in-depth look at the ICICI Bank HPCL Super Saver Credit Card, understanding its features, benefits, charges, eligibility, and how it can work for you to get you savings on your daily spends.

ICICI Bank HPCL Super Saver Credit Card

Details of the ICICI Bank HPCL Super Saver Credit Card

Petrol can be quite pocket-pinching as well as heavy on your monthly investment.
The ICICI Bank HPCL Super Saver Credit Card is a co-branded credit card aimed at frequent use of fuel from HPCL (Hindustan Petroleum Corporation Limited) petrol pumps. This card provides a customizable array of benefits designed for consumers who are concerned with the cost of fuel and also appreciate value on other spending categories such as utilities, grocery, amusement and dining.
It is an ideal card for individuals who are looking to earn reward points or for cashback on fuel spends, as well as on lifestyle, travel and shopping.

Important Features of ICICI Bank HPCL Super Saver Credit Card

Let’s start off with the main features of the ICICI Bank HPCL Super Saver Credit Card which makes it a rewarding card for fuel users and for regular spending as well.

Fuel Savings: 5% Cashback

The cash back on fuel is a bright spot when it comes to using the ICICI Bank HPCL Super Saver Credit Card. Had it been possible for the cardholder to earn 5% cash back, on spending on fuel at HPCL fuel stations. This can be analyzed as:

• 4% cashback on fuel spends at HPCL fuel stations. (up to ₹200 per month)
  
  
• 1% cashback on fuel surcharge.
  
  

This is good news for people who constantly pay a lot for gas since it can help supplement their cost for one of their most frequent expenditures.
Besides this, cardholders will also earn 1.5% cashback on purchases including fuel at HPCL pumps through HP Pay App thereby making the card more rewarding.

Cashback on Everyday Purchases

And the ICICI Bank HPCL Super Saver Credit Card doesn’t stop at fuel rewards—it offers benefits for everyday spend:

• 5% cashback on utility and grocery spends. It will apply to payments on mobile, electricity, gas taxes and purchases in departmental stores.
  
  
• 1% cashback on all other purchases, enabling cardholders to win on every swipe, whether buying groceries, dining at a restaurant, or shopping online.
  
  

This has the advantage that cardholders don’t have to content themselves with earning rewards on only fuel purchases and can indeed combine such reward redemptions with spending in other key cashback categories.

Entertainment and Dining Benefits

The following are the advantages of ICICI Bank HPCL Super Saver Credit Card for fans of movies and food:

• 25% off on movie tickets: Users can get 25% off on movie tickets when booked through outlets like BookMyShow and INOX. The discount is limited to ₹100 per transaction and is available twice a month.
  
  
• Dining Privileges: Furthermore, this card provides exclusive discounts at partner restaurants all over India through the ICICI Bank Culinary Treats Program. Cardholders receive some fabulous dining reductions and ideas of where to eat out and save.
  
  

Additional Lifestyle Benefits

The ICICI Bank HPCL Super Saver Credit Card offer several lifestyle privileges to make your card value-for-money:

• Domestic Airport Lounge Access: Customers can avail 1 Free Access of Domestic Airport Lounge each Quarter across select lounges in India. Great for the busy traveler who want to unwind prior to their flight in a comfortable and private setting.
  
  
• 24x7 Roadside Assistance: From fuel running dry to getting a flat tyre, if such emergencies comes up while on the road we are here to help through the ICICI Bank HPCL Super Saver Credit Card's 24x7 roadside assistance. Such services may include refueling, towing, taxi services, emergency repair, and the like.
  
  
• Joining Perk: Cardholders will be entitled to 2,000 reward points once they activate the card and pay the joining fee. Those points can be utilized on rewards involving flight reservations, hotel reservations, gifts and other options.
  
  

How ICICI Bank HPCL Super Saver Credit Card Works

To make you better understand how the ICICI Hyderabad in india ICICI Bank HPCL Super Saver Credit Card functions, let me explain how it works:

Fuel Cashback:

At the time of a fuel transaction conducted at any HPCL fuel station, it will compute the cashback on transaction amount/values. The cashback will be applied directly to your card account, which makes it a great way to save on future bills.

Cashback on Utility Bills & Groceries:

For utility bills (like mobile, electricity, etc.), groceries and other spends, card users get 5% cashback. This cashback is posted at the end of the statement cycle where u can redeem directly or adjust against your card outstanding.

Dining & Entertainment:

For movie tickets, card members are offered 25% off on movie ticket bookings on BookMyShow and INOX. Also, cardmembers receive discounts at participating restaurants via the ICICI Bank Culinary Treats Program.

Fees and Charges

As with all credit cards, the ICICI Bank HPCL Super Saver Credit Card has some fees. Here’s a look at some of the main fees associated with the card:

• Joining Fee: ₹500 + GST
  
  
• Renewal Fee: ₹500 + GST (waived off on spends of ₹1,50,000 in a year)
  
  
• Cash Withdrawal Fee: ₹100 per withdrawal
  
  
• Late Payment Penalty: Varies for different outstanding amounts
  
  
• Rate Of Interest: 3.50% per month (42% per annum)
  
  
• Forex Markup Fee: 3.5% on foreign currency transactions
  
  
• Fuel Surcharge: 1% on fuel transactions (between ₹500 and ₹4,000)
  
  

Eligibility Criteria

ICICI Bank HPCL Super Saver Credit Card Eligibility

There are certain ICICI Bank HPCL Super Saver Credit Card eligibility criteria that you have to fulfil if you want to apply for the card. Here’s what you’ll need to apply for the card:

• Age: Entrepreneurs must be 21-60 years old.
  
  
• Income: The income requirement is set at least ₹5,00,000 for the applicants.
  
  
• Level of Credit Required: Good to Excellent: You need a credit score of at least 750 to apply for this credit card.
  
  

Advantages and Disadvantages of ICICI Bank HPCL Super Saver Credit Card

The ICICI Bank HPCL Super Saver Credit Card, like every other product, comes with it’s own set of benefits and drawbacks. Let’s take a look:

Pros:

• High Fuel Cashback: It is one of the most rewarding fuel card that exists in the Indian market with 5% cashback on fuel usage and 0% fuel surcharge.
  
  
• Everyday Purchase Rewards: Earn 5% cashback on utilities and groceries to help save on your day to day expenses.
  
  
• Exclusive Dining and Movie Discounts: The 25% off on movie tickets and exclusive dining privileges make this card an attractive option for moviegoers and foodies.
  
  
• Lounge Access And More: Complimentary domestic airport lounge visits and road side assistance are extraders that frequent travelers will love.
  
  

Cons:

• Fuel Cashback Cap: The ₹200 per month fuel cashback limit might be limiting for those who are big fuel spenders.
  
  
• Renewal Fee: The annual fee of the card is relatively low, but still something to think about if you wont spend enough to get over it.
  
  

Conclusion

For high spenders on fuel who would like to earn extra rewards on everyday spends, the ICICI Bank HPCL Super Saver Credit Card is a great option. At 5% cash back on petrol, 5% cash back on utilities and a range of dining and entertainment benefits, it’s good value for money.
If you travel often, eat out a lot, or go to the movies, this card comes with a family of benefits that can make your swipe worth more.
Overall the ICICI Bank HPCL Super Saver Credit Card can save a cardholder a significant money on fuel purchases, and also come with other lifestyle and entertainment benefits.